AHIP Practice Exam

What can Mr. Rockwell do regarding his Part B and D enrollment if his employer reduces prescription drug benefits?

1. He can choose to stay on his employer plan without consequences.

2. He can enroll in Part B and D immediately.

3. He can utilize the special enrollment period due to loss of coverage.

4. He must wait until the general enrollment period to reapply.

The correct answer is: He can utilize the special enrollment period due to loss of coverage.

The most accurate course of action for Mr. Rockwell regarding his Part B and D enrollment, given that his employer reduces prescription drug benefits, is utilizing the special enrollment period due to loss of coverage. When an individual experiences a significant change in their health coverage, such as a reduction in benefits or the complete loss of prescription drug coverage, they qualify for a special enrollment period. This allows them to enroll in Medicare Part B and Part D outside of the standard enrollment periods without facing any penalties. This guidance is particularly important for individuals who may have been relying on an employer's health benefits. The ability to enroll immediately is critical for ensuring access to necessary medical services and medications, preventing gaps in coverage, and avoiding any late enrollment penalties that could otherwise impose financial strain. In contrast, staying on the employer's plan without consequences (the first choice) would not be accurate, as the reduction in benefits could affect Mr. Rockwell's healthcare needs. Immediate enrollment in Part B and D (the second choice) might seem plausible, but it is specifically the special enrollment period triggered by the reduction in coverage that allows Mr. Rockwell to act promptly. Lastly, having to wait until the general enrollment period (the fourth option) would not be applicable since he